\contentsline {section}{\numberline {1}Introduction}{5}{section.1}
\contentsline {section}{\numberline {2}Probability Issues}{8}{section.2}
\contentsline {section}{\numberline {3}The Normal Distribution}{8}{section.3}
\contentsline {section}{\numberline {4}Formulation of the Model}{9}{section.4}
\contentsline {section}{\numberline {5}Insurer-Provider Financial Strength Differentials}{10}{section.5}
\contentsline {section}{\numberline {6}Relative Risk of Adverse Experience for Providers versus Insurers}{11}{section.6}
\contentsline {section}{\numberline {7}First Unit v Last Unit Pricing}{12}{section.7}
\contentsline {section}{\numberline {8}Can Smaller Providers Manage their Risk Assumption?}{14}{section.8}
\contentsline {section}{\numberline {9}Conclusion}{15}{section.9}
\contentsline {section}{\numberline {10}References}{16}{section.10}
\contentsline {section}{\numberline {11}Bibliography}{17}{section.11}
